Asset Management 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Abbott Laboratories	SK	002824100	1,648	15,055	SH		SOLE		0	0	15,055
Alphabet Inc Class A	SK	02079K305	547	312	SH		SOLE		0	0	312
Alphabet Inc Class C	SK	02079K107	462	264	SH		SOLE		0	0	264
Amazon Com Inc	SK	023135106	5,657	1,737	SH		SOLE		0	0	1,737
Analog Devices, Inc.	SK	032654105	529	3,582	SH		SOLE		0	0	3,582
Apple Computers	SK	037833100	13,682	103,111	SH		SOLE		0	0	103,111
Assurant Inc	SK	04621X108	1,983	14,555	SH		SOLE		0	0	14,555
Barclay's Aggregate Bond Index I-Shares	ET	464287226	4,279	36,205	SH		SOLE		0	0	36,205
Berkley W R Corporation	SK	084423102	2,781	41,876	SH		SOLE		0	0	41,876
Berkshire Hathaway Cl B	SK	084670702	1,604	6,917	SH		SOLE		0	0	6,917
Boston Beer Co Inc Cl A Class A	SK	100557107	11,485	11,551	SH		SOLE		0	0	11,551
Canadian Pac Ltd New F	SK	13645T100	641	1,850	SH		SOLE		0	0	1,850
Caterpillar Inc	SK	149123101	1,708	9,385	SH		SOLE		0	0	9,385
Charter Communications	SK	16119P108	652	986	SH		SOLE		0	0	986
Cisco Systems Inc	SK	17275R102	513	11,456	SH		SOLE		0	0	11,456
Colgate-Palmolive Co	SK	194162103	277	3,235	SH		SOLE		0	0	3,235
Deckers Outdoor Corp	SK	243537107	252	877	SH		SOLE		0	0	877
Dominos Pizza Inc	SK	25754A201	1,918	5,002	SH		SOLE		0	0	5,002
Facebook Inc Class A	SK	30303M102	250	916	SH		SOLE		0	0	916
Fidelity Msci Real Estate Index Etf	ET	316092857	2,364	93,146	SH		SOLE		0	0	93,146
General Electric Co.	SK	369604103	171	15,834	SH		SOLE		0	0	15,834
Hewlett Packard Co	SK	40434L105	840	34,149	SH		SOLE		0	0	34,149
Home Depot Inc	SK	437076102	282	1,061	SH		SOLE		0	0	1,061
Intel Corp	SK	458140100	206	4,143	SH		SOLE		0	0	4,143
Invesco NY Muni AMT Free Mun Bd ETF	ET	46138E529	543	20,765	SH		SOLE		0	0	20,765
Invesco National AMT Free Mun Bd ETF	ET	46138E537	261	9,621	SH		SOLE		0	0	9,621
Invesco QQQ Trust	ET	46090E103	9,118	29,063	SH		SOLE		0	0	29,063
Ishares Barclays Bd Fd 7-10 Yr Tr	ET	464287440	5,446	45,405	SH		SOLE		0	0	45,405
Ishares Barclays Tips Bond Fund	ET	464287176	10,362	81,178	SH		SOLE		0	0	81,178
Ishares Core S&P Smallcap ETF 600	ET	464287804	2,893	31,477	SH		SOLE		0	0	31,477
Ishares Core US Growth	ET	464287671	751	8,463	SH		SOLE		0	0	8,463
Ishares Core US Value	ET	464287663	3,941	63,367	SH		SOLE		0	0	63,367
Ishares Goldman Sachs Tech Index	ET	464287549	3,866	11,051	SH		SOLE		0	0	11,051
Ishares Lehman Treas Bond 1-3 Year	ET	464287457	599	6,930	SH		SOLE		0	0	6,930
Ishares Morningstar Fund Large Core Inde	ET	464287127	401	1,851	SH		SOLE		0	0	1,851
Ishares Morningstar Fund Mid Growth Inde	ET	464288307	279	731	SH		SOLE		0	0	731
Ishares Msci Canada Idx Fd	ET	464286509	261	8,463	SH		SOLE		0	0	8,463
Ishares Msci Emrg Mkt Fd	ET	464287234	4,583	88,705	SH		SOLE		0	0	88,705
Ishares Msci Etf Eafe Minimum Volatility	ET	46429B689	11,218	152,817	SH		SOLE		0	0	152,817
Ishares Pharmaceutical Index Fund	ET	464288836	708	3,944	SH		SOLE		0	0	3,944
Ishares Russell Midcap Index Fund	ET	464287499	2,728	39,800	SH		SOLE		0	0	39,800
Ishares Russell Midcap Value Index Fund	ET	464287473	16,043	165,457	SH		SOLE		0	0	165,457
Ishares S&P 500 Growth S&P 500 Growth In	ET	464287309	3,814	59,762	SH		SOLE		0	0	59,762
Ishares S&P Midcap 400 Bar Val	ET	464287705	8,360	96,874	SH		SOLE		0	0	96,874
Ishares S&P Midcap 400 Growth Index Fund	ET	464287606	4,683	64,842	SH		SOLE		0	0	64,842
Ishares S&P North Am Fund	ET	464287374	714	30,669	SH		SOLE		0	0	30,669
Ishares S&P Smallcap Growth ETF	ET	464287887	4,979	43,605	SH		SOLE		0	0	43,605
Ishares S&P Smallcap 600 Value	ET	464287879	8,466	104,122	SH		SOLE		0	0	104,122
Ishares Tr Cohen & Steer Realty Majors I	ET	464287564	5,701	105,803	SH		SOLE		0	0	105,803
Ishares Tr Msci Eafe	ET	464287465	3,822	52,391	SH		SOLE		0	0	52,391
Ishares Tr Nasdaq Biotech	ET	464287556	279	1,840	SH		SOLE		0	0	1,840
Ishares Tr Russell 1000 Growth	ET	464287614	1,133	4,698	SH		SOLE		0	0	4,698
Ishares Tr Russell 1000 Ind	ET	464287622	305	1,439	SH		SOLE		0	0	1,439
Ishares Tr Russell 1000 Val	ET	464287598	3,735	27,316	SH		SOLE		0	0	27,316
Ishares Tr Russell 2000 Ind	ET	464287655	202	1,032	SH		SOLE		0	0	1,032
Ishares Tr Russell 2000 Val	ET	464287630	2,111	16,024	SH		SOLE		0	0	16,024
Ishares Tr S&P 100 Index	ET	464287101	454	2,648	SH		SOLE		0	0	2,648
Ishares Tr S&P 500 Barra Val	ET	464287408	7,360	57,489	SH		SOLE		0	0	57,489
Ishares Tr S&P Midcap 400 Ind	ET	464287507	11,943	51,965	SH		SOLE		0	0	51,965
Ishares Trust Dow Jones Select Dividend	ET	464287168	1,610	16,741	SH		SOLE		0	0	16,741
Ishares Trust S&P 500 Index	ET	464287200	10,614	28,275	SH		SOLE		0	0	28,275
Ishares US Technology	ET	464287721	238	2,802	SH		SOLE		0	0	2,802
Ishares Yield Optimized Bond Etf	ET	46434V787	2,973	115,014	SH		SOLE		0	0	115,014
J P Morgan & Co. Inc.	SK	46625H100	268	2,108	SH		SOLE		0	0	2,108
Johnson & Johnson	SK	478160104	2,463	15,649	SH		SOLE		0	0	15,649
Lowes Companies Inc	SK	548661107	238	1,481	SH		SOLE		0	0	1,481
Microsoft Corp	SK	594918104	1,485	6,679	SH		SOLE		0	0	6,679
Mid Cap S P D R Trust Unit Ser	ET	78467Y107	2,379	5,666	SH		SOLE		0	0	5,666
Moodys Corp	SK	615369105	976	3,364	SH		SOLE		0	0	3,364
Omnicom Group Inc	SK	681919106	541	8,678	SH		SOLE		0	0	8,678
P J T Partners Inc Cl A	SK	69343T107	3,533	46,953	SH		SOLE		0	0	46,953
Paychex Inc	SK	704326107	774	8,308	SH		SOLE		0	0	8,308
Pepsico	SK	713448108	5,894	39,747	SH		SOLE		0	0	39,747
Pfizer Inc	SK	717081103	1,622	44,065	SH		SOLE		0	0	44,065
Pimco Active Bond ETF	ET	72201R775	2,262	19,994	SH		SOLE		0	0	19,994
Procter & Gamble Co.	SK	742718109	1,673	12,021	SH		SOLE		0	0	12,021
Proshares Ultra S&P 500	ET	74347R107	6,464	70,764	SH		SOLE		0	0	70,764
S P D R Trust Unit Sr 1	ET	78462F103	2,118	5,666	SH		SOLE		0	0	5,666
Sch Us Mid-Cap Etf	ET	808524508	10,505	154,082	SH		SOLE		0	0	154,082
Schw US Large Cap ETF	ET	808524201	2,838	31,202	SH		SOLE		0	0	31,202
Schw Us Brd Mkt Etf	ET	808524102	1,455	15,989	SH		SOLE		0	0	15,989
Schw Us Scap Etf	ET	808524607	3,763	42,280	SH		SOLE		0	0	42,280
Schwab Emerging Markets Equity Etf	ET	808524706	3,535	115,335	SH		SOLE		0	0	115,335
Schwab Intermediate Term Us Trs Etf	ET	808524854	705	12,106	SH		SOLE		0	0	12,106
Schwab US Lg Cap Growth ETF	ET	808524300	667	5,191	SH		SOLE		0	0	5,191
Schwab US Tips ETF	ET	808524870	8,951	144,183	SH		SOLE		0	0	144,183
Sector Spdr Engy Select Shares Of Benefi	ET	81369Y506	1,027	27,098	SH		SOLE		0	0	27,098
Southridge Ent Inc New	SK	84467T403	0	24,000	SH		SOLE		0	0	24,000
Spdr S&P 400 Mid Cap Growth Etf	ET	78464A821	1,519	21,905	SH		SOLE		0	0	21,905
Spdr S&P 500 Growth Etf	ET	78464A409	1,052	19,031	SH		SOLE		0	0	19,031
Spdr S&P 600 Small Cap	ET	78464A813	5,400	67,892	SH		SOLE		0	0	67,892
Spdr S&P 600 Small Cap Growth	ET	78464A201	228	2,981	SH		SOLE		0	0	2,981
Spdr S&P Biotech Etf	ET	78464A870	3,697	26,258	SH		SOLE		0	0	26,258
Spdr S&P Dividend Etf	ET	78464A763	2,701	25,499	SH		SOLE		0	0	25,499
United Healthcare Corp	SK	91324P102	263	750	SH		SOLE		0	0	750
Vanguard Bond Index Fund Intermediate Te	ET	921937819	9,869	106,288	SH		SOLE		0	0	106,288
Vanguard Bond Index Short Term Bond ETF	ET	921937827	854	10,307	SH		SOLE		0	0	10,307
Vanguard Corp Bond Etf Short-Term Corp B	ET	92206C409	10,663	128,079	SH		SOLE		0	0	128,079
Vanguard Div Appreciation ETF	ET	921908844	12,641	89,543	SH		SOLE		0	0	89,543
Vanguard Emerging Market	ET	922042858	681	13,581	SH		SOLE		0	0	13,581
Vanguard Energy Index	ET	92204A306	523	10,091	SH		SOLE		0	0	10,091
Vanguard Ftse Developed Markets Etf	ET	921943858	378	7,998	SH		SOLE		0	0	7,998
Vanguard Growth Etf Msci Us Prime Mkt	ET	922908736	1,485	5,860	SH		SOLE		0	0	5,860
Vanguard Info Technology	ET	92204A702	2,499	7,063	SH		SOLE		0	0	7,063
Vanguard Lrg Cap Etf Us Prime Mkt 750	ET	922908637	239	1,360	SH		SOLE		0	0	1,360
Vanguard Mid Cap	ET	922908629	2,668	12,904	SH		SOLE		0	0	12,904
Vanguard Mid Cap Growth Etf	ET	922908538	3,667	17,291	SH		SOLE		0	0	17,291
Vanguard Mid Cap Value	ET	922908512	9,089	76,407	SH		SOLE		0	0	76,407
Vanguard Msci Us Sm Cap Growth	ET	922908595	17,627	65,854	SH		SOLE		0	0	65,854
Vanguard Reit	ET	922908553	2,606	30,686	SH		SOLE		0	0	30,686
Vanguard S&P 500 Growth Etf	ET	921932505	1,851	8,045	SH		SOLE		0	0	8,045
Vanguard Small Cap ETF	ET	922908751	5,385	27,659	SH		SOLE		0	0	27,659
Vanguard Small Cap Value	ET	922908611	18,349	129,026	SH		SOLE		0	0	129,026
Vanguard Total Intl ETF	ET	921909768	672	11,171	SH		SOLE		0	0	11,171
Vanguard Total Stock Mkt	ET	922908769	9,767	50,180	SH		SOLE		0	0	50,180
ViacomCBS Inc Class B	SK	92556H206	247	6,635	SH		SOLE		0	0	6,635
Vulcan Materials Company	SK	929160109	252	1,701	SH		SOLE		0	0	1,701
Wal Mart Stores	SK	931142103	1,107	7,677	SH		SOLE		0	0	7,677
Walt Disney Co Holding Co	SK	254687106	4,733	26,120	SH		SOLE		0	0	26,120
Zillow Group Inc Class	SK	98954M101	204	1,500	SH		SOLE		0	0	1,500